{ "generated_at": "2026-06-05T12:32:40.774Z", "site_base": "https://lifeinsurance.com.sg", "insurer": { "slug": "singlife", "name": "Singlife", "legal_entity": "Singapore Life Ltd.", "mas_license_type": null, "mas_fi_directory_url": null }, "product": { "slug": "direct-singlife-whole-life", "name": "DIRECT - \n Singlife Whole Life", "status": "active", "positioning_summary": null, "source_url": "https://www.comparefirst.sg/wap/prodSummaryPdf/196900499K/DirectSinglifeWholeLife_PS_NCI_Dec25.pdf" }, "wording": { "wording_version": "2026-06-05", "effective_from": null, "ingested_at": "2026-06-05T11:20:33.930327+00:00", "source_url": "https://www.comparefirst.sg/wap/prodSummaryPdf/196900499K/DirectSinglifeWholeLife_PS_NCI_Dec25.pdf", "pdf_hash": "61f25e2b3377ed4c15a61d6fd050d9b529cf7b6cd4125368578a11390de328b0", "page_count": null }, "facts": { "claims": { "source_page": 9, "direct_settlement": true, "documents_required": [ "completed claim form", "proof of the life assured's date of birth", "medical report and/or diagnosis issued by a registered medical practitioner acceptable to us, supported by clinical, radiological, histological and laboratory proof at the claimant's expense", "death certificate (when making a claim for death benefit)", "proof that the claimant is entitled to payment under your policy", "any other document we consider necessary to support the claim" ] }, "free_look": { "period_days": 14, "source_page": 8, "refund_basis": "we will cancel your policy and refund the premiums paid, without interest and less any expenses incurred in considering your application and issuing your policy." }, "exclusions": [ { "text": "We will not pay the death benefit if the life assured commits suicide as stated in section 10.1. Suicide.", "source_page": 2 }, { "text": "We will not pay the terminal illness benefit for terminal illness in the presence of human immunodeficiency virus (HIV) infection.", "source_page": 2 }, { "text": "We will not pay the total and permanent disability benefit if your claim is directly or indirectly, wholly or partly caused by or arising from or contributed to by: deliberate acts such as self-inflicted illness or injury, while sane or insane; attempted suicide; injuries sustained during travel on any type of aircraft except as a fare-paying passenger or a crew member of an international airline operating on a regularly-scheduled passenger flight of a licensed commercial aircraft; or any pre-existing condition.", "source_page": 2 } ], "cash_values": { "has_cash_value": true, "non_guaranteed_bonus": { "text": "The RB is determined annually by us and is a non-guaranteed annual bonus that we may add to your policy. The annual RB rate is illustrated at SGD7 per SGD1,000 of the sum assured. Once RB is declared and added to your policy, it shall form part of the guaranteed cash value of your policy and is illustrated to compound at SGD7 per SGD1,000 on the accumulated RB. The TB is determined by us and is a non-guaranteed bonus that we may pay you at the point of a payout arising from a claim for any of the benefits under your policy or a request to surrender your policy. All bonuses are not guaranteed and depend on the performance of our participating fund.", "available": true, "bonus_types": [ "reversionary", "terminal" ], "source_page": 3, "par_fund_name": "Singapore Life Ltd. participating fund (Par sub-fund)" }, "guaranteed_surrender_value": { "basis": "Your policy will gain a cash value from the start of the 3rd policy year as long as the premiums are paid up-to-date. Please refer to the policy illustration for the illustrated cash surrender value.", "available": true, "source_page": 2 } }, "policy_loan": { "available": true, "source_page": 9, "interest_basis": "rates determined by us; the accumulated interest charged will be added as principal to the outstanding loan on each policy anniversary", "max_percent_of_cash_value": 90 }, "grace_period": { "days": 30, "source_page": 7 }, "product_type": "whole-life", "policy_basics": { "maximum_entry_age": { "basis": "age-next-birthday", "years": 65, "source_page": 7 }, "minimum_entry_age": { "basis": "age-next-birthday", "years": 19, "source_page": 7 }, "maximum_coverage_age": "whole-of-life" }, "premium_terms": { "cpf_eligible": { "srs": false, "notes": "This policy is available in SGD currency only. No CPF eligibility stated.", "source_page": 7, "special_account": false, "ordinary_account": false }, "payment_modes": [ "annual", "semi-annual", "quarterly", "monthly" ], "premium_term_options": [ { "label": "Pay till age 70", "description": "Pay regular premium till age 70", "source_page": 7 }, { "label": "Pay till age 85", "description": "Pay regular premium till age 85", "source_page": 7 } ], "premium_review_clause": { "text": "Premium for this plan (basic benefits) is level and guaranteed during the chosen premium payment term.", "reviewable": false, "source_page": 1 } }, "non_forfeiture": { "paid_up": { "text": "Not explicitly described in product summary.", "available": false }, "source_page": 8, "extended_term": { "text": "Not explicitly described in product summary.", "available": false }, "automatic_premium_loan": { "text": "your policy lapses due to non-payment of premiums within 30 days from the date they become due (and when your policy does not have sufficient cash value for us to advance a loan to keep your policy in force)", "available": true } }, "suicide_clause": { "source_page": 10, "payout_within_period": "If the life assured commits suicide (while sane or insane) within one year from the policy issue date or the last reinstatement date of your policy (whichever is later), your policy is void on the date immediately before the date of death. We will refund premiums paid for the basic benefits, without interest and less any amount you owe us, from the policy issue date or the last reinstatement date of your policy (whichever is later).", "exclusion_period_months": 12 }, "document_metadata": { "product_full_name": "DIRECT – Singlife Whole Life", "insurer_legal_entity": "Singapore Life Ltd.", "product_summary_pdf_url": "https://singlife.com/en/make-a-claim/" }, "terminal_illness_benefit": { "available": true, "source_page": 12, "acceleration_percent": 100, "qualifying_definition": "Terminal illness means the conclusive diagnosis of an illness that is expected to result in the death of the life assured within 12 months. This diagnosis must be supported by a specialist and confirmed by our appointed registered medical practitioner. Terminal Illness in the presence of HIV infection is excluded." } }, "confidence_tier": "verified" }